\begin{tabular*}{1\textwidth}{l@{\extracolsep{\fill}}*{8}{c}}
\toprule
\textbf{\textit{Panel A: Savings}} \\
&\multicolumn{2}{c}{\textbf{Savings}}&\multicolumn{2}{c}{\textbf{Interest Accrued}}\\
\cmidrule(lr){2-3}\cmidrule(lr){4-5} & Deposits & Net Savings & Real Pos. Rates & Hypothetical 1\% \\
 & (1) & (2) & (3) & (4) \\
\midrule
Night-Sleep Treatments & -2.72 & -9.10 & 0.36 & 0.03 \\
& (9.25) & (11.77) & (1.71) & (0.98) \\
Nap Treatment & 15.95* & 9.62 & 2.05 & 1.47* \\
& (8.27) & (11.10) & (1.58) & (0.89) \\
Interest Rate & 35.04*** & 39.86*** & 17.15*** & 4.01***  \\
& (8.60) & (11.26) & (3.48) & (0.93)\\
\midrule
Control Mean & 113.29 & 71.97 & 10.63 & 8.70 \\
Control SD   & 166.68   & 325.68   & 19.66   & 15.43   \\
Participants & 452 & 452 & 292 & 452 \\
\\
\end{tabular*}
